FinHabits Terms of Use

Policy Effective Date: January 22, 2016

1. Introduction

Finhabits is an automated investment advisor available online and through mobile applications. When you use our website and mobile applications you enter into a series of legally binding agreements, including this Terms of Use (“Agreement”). You also agree to our Privacy Policy which covers how we collect, use, share and store your personal information.

1.1 Purpose

We offer an automated investment service (“Service”). Should you choose to become our Client, we will manage a diversified, continually rebalanced portfolio on your behalf in a very low cost. Our unique service is made possible by combining a team of world-class financial experts.

1.2 Agreement

When you access our website at www.finhabits.com and/or our web-based applications ("our website" (which includes our blog), or "Finhabits") as a User, you're agreeing to be bound by the following Terms of Use, and, if you've elected to become a Client, our Advisory Agreement. Please therefore take the time to read the following binding Terms of Use below. For the purpose of this agreement a User is an individual who uses our website or mobile application to evaluate our service, or for educational purposes and a Client is an individual who signs our Advisory Agreement that entitles the Client to have her or his investment portfolio managed by Finhabits. This Agreement, as well as the Privacy Policy applies to both Users and Clients. If you elect to become a Client, you will be subject to these Terms of Use, our Advisory Agreement, our Privacy Policy and any additional terms to which you agree when you create and fund an investment account.

2. Obligations

2.1 Eligibility

Finhabits is intended solely for individuals who are 18 or older. Any access to or use of FinHabits by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By accessing or using Finhabits, you represent and warrant that you are 18 or older.

2.2 Your Access

In order to access certain features of Finhabits, you must register to create an account ("Account"). When you register, you will be asked to choose a password, which you will be required to use to access your Account. Finhabits has physical, electronic and procedural safeguards that comply with federal standards to guard Users' and Clients' non-public personal information (see Privacy Policy). You agree that the information you provide to us on account registration through our website or mobile applications will be true, accurate, current, and complete.

You are responsible for safeguarding your password and other Account information. You agree not to disclose your password to any third party and you will notify FinHabits immediately if your password is lost or stolen or if you suspect any unauthorized use of your Account. As a User you agree that you shall be solely responsible for any activities or actions under your Account, whether or not you have authorized such activities or actions.

2.3 Alerts, Notifications and Service Communications

By creating an Account, you automatically sign up for various types of alerts via email, text message, and web-based application notification. When logged in, you may customize, modify and in some cases deactivate alerts by adjusting the settings accordingly. We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails by mailing your request to support@finhabits.com or you may opt-out of receiving text messages at any time by texting STOP to 917-810-9141 from the mobile device receiving the messages. You acknowledge that opting out of receiving text messages and/or electronic may affect your use of the services. You also acknowledge that standard message and data rates will apply when receiving text messages.

3. Disclaimer and Limit of Liability

3.1 For a User who is not a Client

You understand and acknowledge that the investment results you could obtain from investment information and financial insights provided by Finhabits cannot be guaranteed and that Finhabits cannot be held responsible. All investments entail a risk of loss and that you may lose money. Investment management services may be offered to individuals who become clients, at the sole discretion of Finhabits. Your election to engage our investment management services are subject to your explicit enrollment and acceptance of the separate Advisory Agreement and related fee schedule.

You agree and understand that your use of Finhabits is for educational purposes only and is not intended to provide legal, tax or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that Finhabits is only one of many tools you may use as part of a comprehensive investment education process, that you should not and will not rely on Finhabits as the primary basis of your investment decisions and, except as otherwise provided for herein, Finhabits will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of Finhabits or information you otherwise see on our website.

3.2 Disclaimer Warranties

Your use of Finhabits, and the personal information you provide is at your sole discretion and risk. FinHabits and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Finhabits.

FINHABITS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO FINHABITS, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. FINHABITS DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:

THAT FINHABITS WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;

THAT FINHABITS WILL BE FREE FROM ELECTRONIC VIRUSES; OR

REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY FINHABITS INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.

No advice or information, whether oral or written, obtained by you from Finhabits, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.

Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you

3.3 Limitation of Liability

IN NO EVENT SHALL FINHABITS OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF FINHABITS, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH FINHABITS OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT FINHABITS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL FINHABITS’ CUMULATIVE LIABILITY TO YOU EXCEED U.S. $100.

4. Termination

You may request termination of your Account at any time and for any reason by sending an email to support@finhabits.com.

We may terminate or suspend your access to Finhabits, in our sole discretion, at any time for any reason without notice to you. Further, if we believe, in our sole discretion, that a violation of these Terms of Use has occurred, we may take any other corrective action we deem appropriate. We reserve the right to investigate suspected violations of these Terms of Use. We may seek to gather information from a user who is suspected of violating these Terms of Use (or from any other user) and you agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any User information, emails, or other materials that are believed to violate these Terms of Use.

Any suspension, termination, or cancellation shall not affect your obligations to Finhabits under these Terms of Use (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation.

5. Dispute Resolution

You agree that these Terms of Use shall be governed by and interpreted in accordance with the laws of the State of New York, U.S.A. excluding that body of law pertaining to conflict of laws. Any legal action or proceeding arising under these Terms of Use will be brought exclusively in courts located in New York City, New York, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

6. Finhabits "Dos" and "Don'ts"

Finhabits grants you a license to use our website and mobile applications so long as you comply with all our rules.

Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated;

Use the services solely for your personal, non-commercial use;

Use your real name on your profile and keep your password confidential;

Use the Services in a professional manner

6.2 Don'ts.

You agree you won't:

Circumvent, disable, or otherwise interfere with security-related features of Finhabits or features that prevent or restrict use or copying of any content or User information;

Upload, email, transmit, provide, or otherwise make available:

any User information which you do not have the lawful right to use, copy, transmit, display, or make available (including any User information that would violate any confidentiality or fiduciary obligations that you might have with respect to the User information); or

any User information that infringes the intellectual property rights of, or violates the privacy rights of, any third-party (including without limitation copyright, trademark, patent, trade secret, or other intellectual property right, moral right, or right of publicity); or

unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation; or

any personal information that is unlawful, obscene, harmful, threatening, harassing, defamatory, or hateful, or that contain objects or symbols of hate, invade the privacy of any third-party, contain nudity, are deceptive, threatening, abusive, inciting of unlawful action, or are otherwise objectionable in the sole discretion of Finhabits; or

any personal information that contains software viruses or any other computer code, files, or programs designed to (i) interrupt, destroy, or limit the functionality of any computer software; or (ii) interfere with the access of any user, host or network, including without limitation overloading, flooding, spamming, mail-bombing, or sending a virus to FinHabits; or

any personal information that includes code that is hidden or otherwise surreptitiously contained within the User information;

Use any meta tags or other hidden text or metadata utilizing a Finhabits name, trademark, URL or product name;

Forge any TCP/IP packet header or any part of the header information in any posting, or in any way use Finhabits to send altered, deceptive, or false source- identifying information;

Interfere with or disrupt (or attempt to interfere with or disrupt) any Finhabits web page, server, or network, or the technical delivery systems of Finhabits' providers, or disobey any requirements, procedures, policies, or regulations of networks connected to Finhabits.

Attempt to probe, scan, or test the vulnerability of any Finhabits system or network or breach or impair or circumvent any security or authentication measures protecting FinHabits;

Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software used to provide Finhabits;

Attempt to access, search, or meta-search Finhabits or content thereon with any engine, software, tool, agent, device, or mechanism other than software and/or search agents provided by Finhabits or other generally available third- party web browsers, including without limitation any software that sends queries to Finhabits to determine how a website or webpage ranks;

Violate the terms of service or any other rule or agreement applicable to you or Finhabits' inclusion in, reference to, or relationship with any third party or third-party site or service, or your use of any such third-party site or service;

Collect or store personal information about other users without their express permission;

Impersonate or misrepresent your affiliation with any person or entity, through pretexting or some other form of social engineering, or commit fraud;

Solicit any User for any investment or other commercial or promotional transaction;

Violate any applicable law, regulation, or ordinance;

Scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);

Use, launch, or permit to be used any automated system, including without limitation "robots," "crawlers," or "spiders"; or

Copy or use the information, content or data on Finhabits in connection with a competitive service (as determined by FinHabits);

Monitor Finhabits' availability, performance or functionality for any competitive purposes

Use FinHabits or content thereon in any manner not permitted by these Terms of Use

If you become aware of misuse of Finhabits’ copyrighted materials or content thereon by any person, please contact Finhabits to report any abuse. Finhabits has adopted and implemented a policy that provides for the termination of Accounts of users who infringe the rights of copyright holders.

7. General Terms

In the event that any provision in these Terms of Use is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. You may not assign this Agreement (by operation of law or otherwise) without the prior written consent of Finhabits, and any prohibited assignment will be null and void.

Finhabits may assign this Agreement or any rights hereunder without your consent. The relationship of the parties under these Terms of Use is that of independent contractors, and these Terms of Use will not be construed to imply that either party is the agent, employee, or joint venture of the other.

We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don't agree with these changes, you must stop using Finhabits.

You agree the only way to provide us legal notice is at the address provided in Section 9.5.

8. International Use

Finhabits is only available for use in the United States. We make no representation that Finhabits is appropriate or available for use outside the United States. Similarly, we make no representations that accessing Finhabits from locations outside the United States is legal or permissible by local law. If you access Finhabits from areas outside of the United States, you do so at your own risk and are yourself responsible for compliance with local laws.

9. Miscellaneous

9.1 Integration and Severability

This Agreement is the entire agreement between you and us with respect to Finhabits, and your use of our website and web-based applications, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

9.2 Advice may differ

You understand and agree that we act as an investment adviser for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf.

9.3 Communication

You agree that these Terms of Use and the rules, restrictions, and policies contained herein, and Finhabits' enforcement thereof, are not intended to confer and do not confer any rights or remedies on any person other than you and Finhabits. These Terms of Use together with the Finhabits' Privacy Policy and Advisory Agreement (if applicable) constitute the entire agreement between Finhabits and you with respect to the subject matter hereof. Any notice or other communication to be given hereunder will be in writing and given by (a) Finhabits via email (in each case to the address that you provide), or (b) you via email to support@finhabits.com or to such other addresses as FinHabits may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted.

9.4 Feedback

Your feedback is welcome and encouraged. You may submit feedback by emailing us at support@finhabits.com. You agree, however, that (i) by submitting unsolicited ideas to Finhabits or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Finhabits. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Finhabits together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.

9.5 Questions

This document constitutes Finhabits' complete Terms of Use for Finhabits and related services.

If you have questions about these Terms of Use or about Finhabits or content thereon, please contact Finhabits at support@finhabits.com.

You can also contact Finhabits by phone at 212-596-7292 or via physical mail at:

Company

Resources

Contact

154 Grand St.New York, NY10013

Call 1-800-492-1175 contact@finhabits.com

This website is operated and maintained by Finhabits Advisors LLC ("Finhabits"), an SEC registered investment advisor. Registration does not imply a certain level of skill or training. Past performance is no guarantee of future results or returns. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in loss. All information herein as well as any communications on social media is not an offer, solicitation of an offer, or advice to buy or sell securities or services. Investment advisory services offered through Finhabits. Securities offered through Apex Clearing Corporation, Member FINRA, SIPC. Securities in your account are protected up to $500,000. See SIPC.org for more details. By using this website, you hereby consent to our Terms of Use and Privacy Policy. A person shall only become a client of Finhabits when he or she has signed the advisory agreement and acknowledged receiving all disclosures from Finhabits. Exchange Traded Funds are provided by Vanguard and iShares, registered trademarks of The Vanguard Group Inc. and BlackRock Inc.